Earn back the money you’ve been leaving on the table.
A few of your customers’ cards fail every month and nobody tells them, so the payment never arrives and the service keeps going out anyway. Secor spots each one the moment it happens, emails and texts the customer as you until the card is updated, stops the second they pay, and sends you one summary a week. Expired cards, reissued numbers, bank blocks — all of it handled without you lifting a finger.
Recovered in March
Without this, most owners find a failed charge weeks later at bookkeeping — and 65% never see the reason at all.
Why Secor
A card stops working, and nobody finds out.
The owner sees a smaller deposit
One failure looks like a rounding error. Twenty of them, spread across a month, look like a slow month. Most businesses find the pattern weeks later in a report — and 65% never receive detailed decline codes at all, so there’s nothing to act on even when they look.
The customer sees nothing at all
They think they’re still paying. The service keeps arriving, so nothing feels wrong. They never cancelled and they never meant to leave — they’d have fixed it in thirty seconds if a single person had told them.
Which is why 20–40% of all subscription churn isn’t people leaving. It’s people whose card stopped working.
How it works
You connect once. We do the chasing.
No migration, no new billing system, no developer. Your customers keep paying you directly — we never touch the money.
Connect Stripe
One click, read-only. We can see that a charge failed. We can't move a cent — not yours, not your customers'. Takes about a minute and nothing changes about how you bill.
We reach your customers
Email and SMS, sent as your business, with a link to update the card on Stripe's own page. The money moves straight from them to you. We never hold it.
You get one line a week
“$1,840 recovered. Three in progress. Two need your call.” That's the only time you hear from us. Silence is the point.
Each failure gets a different answer. Retrying a dead card wastes the attempt and a day of the sequence.
Expired card
New card in the mail, never updated here. Retrying can't work.
Insufficient funds
Timing, not intent. Clears when the retry lands near payday.
Bank fraud block
Approved for a year, then flagged. They have no idea.
Closed account
Gone for good. Only a new card fixes it — if someone asks.
The division of labour
Stripe is good at the machine half. We do the half that involves a person.
Stripe already does
- Retrying the cardSmart Retries, timed by a model trained on billions of transactions
- Updating expired cardsCard Account Updater, when the issuer participates
- A generic failure emailStripe-templated, not editable — you can't even add a logo
We never retry a charge. Two systems hitting the same card means more declines on your record and no extra recovery.
Secor does
- Warning before the card dies30 days out, while it still works — no retry ever recovers a dead card
- Writing in your voiceYour name, your reply-to, wording you approved
- Texting as well as emailingStripe has never sent an SMS on a merchant's behalf in 14 years
- Waiting for Stripe firstOn a soft decline we stay quiet until their retry has had its go
- Trial signups, handled differentlyStripe's own recovery report excludes them. They fail far more often
- Reading the reply“My husband's away till Tuesday” — understood, and rescheduled
- Stopping the second they payRe-checked before every single message
- Telling you who never meant to leaveCancelled by a failed card, not by choice
- Finding service you're giving awaySubscriptions still active, still unpaid, invisible in Stripe
Read-only throughout. We can see that a charge failed and nothing else — no moving money, no refunds, no changing a setting. And you can watch us do all of it without a single message going out, for as long as you like, before you turn it on.
Security
We can look. We can’t touch.
You’re handing a stranger visibility into your billing. That deserves a straight answer rather than a badge.
Read-only access
We request Stripe's read_only scope. We can see that a charge failed. We cannot create charges, issue refunds, move payouts, or change a single setting — the permission simply doesn't exist on our token.
We never hold your money
Your customer pays on Stripe's own hosted page, and the funds move directly from them into your account. Nothing routes through us, which is deliberate: it's why we can't touch it even in principle.
We never see card numbers
Card data stays with Stripe. We store the amount, the decline reason, and the customer's name and contact — nothing that could be used to charge anyone.
You revoke us, not the reverse
One click in your own Stripe dashboard under Connected Applications ends our access immediately. You don't need to email us or wait for a support reply.
OAuth, never API keys
Since September 2024 Stripe requires third-party apps to use OAuth or restricted keys. You never paste a secret key anywhere, and there's no credential sitting in someone's inbox.
Everything is logged
Every message sent, every retry attempted, every decline code — timestamped and visible to you. If a customer ever asks what they received, you can show them exactly.
Secor is an independent service and is not affiliated with, endorsed by, or sponsored by Stripe. We hold no cardholder data and are not a payment processor or money transmitter.
Pricing
Priced on your size. Never on what we recover.
Taking a cut would mean arguing every month about which recoveries were ours and which Stripe would have made anyway. You shouldn’t have to audit a bill to trust it.
- Card-expiry warnings — we reach the customer weeks before the card dies
- Failed payments caught the moment Stripe reports them, not at bookkeeping
- Email and SMS in your name, stopping the second they pay
- Trial signups handled separately from renewals, with different wording
- Involuntary churn split out — who left, and who never meant to
- Subscriptions that are active but unpaid, surfaced before you notice
- A weekly summary, and a statement showing what we did and what Stripe did
No setup fee, no contract, cancel anytime. Read-only access you can revoke from your own Stripe dashboard.
Bands are your own monthly recurring revenue, read from Stripe. You move tier when you grow, not when we decide to.
What it’s worth to you
per month · $4,756 a year
Applies published benchmarks to the numbers you entered: ~8% of recurring charges fail, and Stripe’s own retries already clear about half of those before we do anything. We only count what’s left. Not a guarantee, and not Secor’s own results — the free audit shows your actual figures.
Find out what you’re missing. Before you decide anything.
Connect read-only and we’ll show you the exact dollar figure sitting in failed payments right now. No charge, no commitment, and you can revoke access the moment you’ve seen it.
Read-only access · we never hold or route your funds · not affiliated with or endorsed by Stripe